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Lake Shore Bank
Dunkirk, NY · FDIC Certificate #30530 · Chartered 01/0
Total assets
$735.88M
Total deposits
$599.08M
Total equity
$121.37M
Net loans
$558.33M
Branches (offices)
11
Net income (YTD)
$4.13M
Rank: #1,329 of 4,213 U.S. banks by assets · #63 of 115 in New York. Assets changed 0.3% and deposits -5.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.13% |
| Return on equity | 6.95% |
| Net interest margin (YTD) | 4.00% |
| Equity to assets | 16.49% |
| Tier 1 leverage ratio | 17.43% |
| Uninsured deposits (share of deposits) | 11.6% |
| Noncurrent loans (share of loans) | 0.25% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 93.2% |
| Real estate loans (share of loans) | 94.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $527.92M | 94.6% | |
| Commercial & industrial | $20.22M | 3.6% | |
| Consumer / individual | $14.85M | 2.7% | |
| Construction & development | $23.98M | 4.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $693.90M | $584.78M | $2.83M | $75.58M |
| Jun 2023 | $713.60M | $587.52M | $2.70M | $79.53M |
| Jun 2024 | $710.49M | $594.46M | $2.26M | $83.59M |
| Jun 2025 | $733.96M | $630.82M | $3.12M | $90.70M |
| Jun 2026 | $735.88M | $599.08M | $4.13M | $121.37M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| New York | $599.08M | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $599.08M.
Similar-sized banks
First Neighbor Bank, National Association ($736.01M) · Chippewa Valley Bank ($735.80M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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